Pet Insurance That Covers Vaccinations | LendEDU

Which pet insurance covers vaccinations

Vaccinations are a regular part of your pet’s life, and recommended vaccinations start at six weeks of age. these vaccines can help your pet avoid certain diseases and illnesses, or can prevent more serious symptoms if your pet gets sick.

of course, they have a cost. Depending on your pet’s age and breed, you could spend hundreds of dollars each year on scheduled vaccinations and the appointments needed to administer them. With the right pet insurance plan, you may be able to cover some (or all) of these costs for your dog or cat, but it’s important to understand exactly what your plan covers.

Here’s a look at how you can get coverage for routine vaccinations through a pet insurance plan.

in this article:

  • Does pet insurance cover vaccinations?
  • Which vaccinations are covered by pet wellness plans?
  • Pet insurance wellness plans and its vaccination benefits

does pet insurance cover vaccinations?

Your traditional pet insurance policy will not cover vaccinations as they are considered routine care and most pet insurance plans only cover illness and injury. instead, preventive visits and care are out-of-pocket expenses, often resulting in hefty vet bills for pet owners with only standard insurance plans.

If you want pet insurance that covers vaccinations as well as routine care like annual exams, dental cleanings, spay/neuter surgery, and the like, you’ll need to purchase a wellness plan instead of (or in addition to) a standard pet insurance policy.

However, even with wellness plans, there may be limits on the type or number of vaccines covered each year. however, the coverage these plans offer can help pay for vaccinations as well as many other preventive care costs for your pet.

Pet wellness plans typically operate on a reimbursement model, similar to the accident and illness plans of traditional pet insurance companies. This means that pet owners will generally pay their veterinarian directly for the visit and then file a claim for reimbursement with the insurance company.

Example: Let’s say your wellness plan offers vaccine coverage for up to $75 per shot, with a $500 annual plan maximum. if you get four shots at $60 each, your plan will reimburse you the full $240. you still have up to $260 left in your plan for other covered preventive treatments, like flea control or heartworm prevention.

what vaccinations are covered under pet wellness plans?

In your pet’s first year of life, your veterinarian will likely recommend up to four core vaccinations: three doses of dap and one of rabies. they may also suggest a number of other lifestyle-related vaccines, such as those for lyme, bordetella, leptospirosis, or canine influenza.

Most of these vaccines are highly recommended by veterinarians, especially if your dog spends time outdoors, is around other animals, or is approached when traveling. in some cases, the state or local government may even require certain vaccinations. You can also expect some vaccinations to be required before obtaining certain pet services, such as grooming or boarding.

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The most common vaccinations you can find for your pet include:

  • Rabies: This highly recommended vaccine may be required by your county or state, or your pet will need to have proof of a blood titer test to be exempt. The first rabies shot is usually given at 16 weeks, although a booster is often required around their first birthday. Rabies vaccines can be given annually or every three years, depending on your state laws.
  • dhlpp: This five-in-one shot combines core and secondary vaccines into one . includes distemper, hepatitis, leptospirosis, parainfluenza, and parvovirus, and can be given to pets as young as six weeks. requires two more boosters to be given at three week intervals and another when they are one year old, for your pet to be considered fully vaccinated. this vaccine can also be divided and administered individually.
  • dap: another combination vaccine, this one combines canine distemper with canine adenovirus (type 2) and canine parvovirus. can be given as early as six to eight weeks.
  • bordetella: One of the two main causes of kennel cough, the bordetella vaccine is often recommended for pets spending time around other animals. it is generally recommended if you plan to board your pet or leave it in day care. Bordetella can be given to pets starting at three weeks, with a booster four weeks later. future doses may be given yearly or every six months, depending on your pet and lifestyle.
  • Flu: To prevent the flu virus in your pet, you may choose for an influenza vaccine. this can help protect them against the two most common strains of canine flu, which can spread between pets in a similar way to how human flu spreads between us (don’t worry though, you and your pet can’t spread the flu). ). this series of vaccines includes two doses, followed by an annual booster.
  • lyme: If your pet spends time outdoors or if you live in certain areas of the country, your veterinarian may recommend a lyme vaccine. This tick-borne disease can start with relatively minor symptoms (reduced energy, loss of appetite, etc.) and progress to lameness, kidney failure, heart problems, or even neurological effects. This vaccine is given as a series of two injections with an annual booster. however, the lyme vaccine is not suitable for all pets, so check with your veterinarian.
  • fvrcp: similar to the dhlpp vaccine in dogs, fvrcp is five in one vaccine designed for cats. covers feline viral rhinotracheitis, calicivirus and feline panleukopenia. This vaccine is usually given to kittens at three to four week intervals until they are 16 to 20 weeks old and then given again a year later. it is repeated every three years.
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pet wellness plans and their vaccination benefits

While many pet insurance companies only offer accident and illness coverage, some also offer optional pet wellness plans. These plans are often available as an add-on to an existing insurance plan, although stand-alone coverage may also be possible. wellness plans often offer coverage for routine care, like immunizations.

lots of pets

note: manypets does not currently offer wellness plans. therefore, coverage for vaccines is not available at this time.

the manypets wellness plan covers a variety of preventive care costs. Plans offer up to $600 per year in annual benefits, including routine exams, immunizations, dental cleanings, holistic care, and prevention or testing for fleas, ticks, and heartworms. coverage begins after a 24-hour waiting period.

Wellness coverage is $19.99 for cats and $24.99 for dogs.

vaccinations covered by a manypets wellness plan

  • rabies
  • bordetella
  • dhpp
  • fvrcp
  • lyme


Point Wellness coverage can be added to a pet insurance plan and comes in two packages: Gold or Platinum. The gold wellness plan offers an annual benefit of up to $250 and costs $9.95 per month, while the platinum increases this maximum benefit to $450 and costs $24.95 per month. Preventive care covered by these plans includes exams, dental cleanings, vaccinations, deworming and more.

This plan works on a reimbursement model, so you’ll pay your vet directly and then file a claim to get your portion of the procedure back from the scene. Depending on the plan you choose, you will be reimbursed up to the maximum amount allowed for that category. For example, with the gold plan, you can get reimbursed for up to two select vaccines per year, for a total of up to $40.

vaccinations covered by a timely wellness plan

gold plan

platinum plan


Note: Wellness Rewards are not available in Rhode Island.

Embrace wellness plans, called wellness rewards, can be added to any pet insurance policy purchased through the company. They come in three different coverage amounts, depending on your pet’s needs and how high a reimbursement rate you want.

Wellness rewards coverage can be $250, $450, or $650 per year and covers things like wellness exams, routine immunizations, dental exams and cleanings, spay/neuter surgery, and even grooming (including grooming). nail). this plan has no waiting period and can be used the day you enroll in coverage.

The monthly cost of wellness coverage ranges from $18 to $52, depending on the plan you choose.

vaccinations covered by an adoption wellness plan

embrace does not establish a reimbursable amount for specific vaccines; instead, you can receive any vaccinations you deem necessary for your pet and be reimbursed up to your full annual allowance.

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There are two ASPC wellness plans that can be added to a pet insurance policy. the basic plan offers up to $250 in benefits annually and costs $9.95 per month. the main plan offers up to $450 in benefits annually and costs $24.95 per month.

Both options have specific coverage limits based on categories of care, including everything from wellness exams to heartworm tests, teeth cleanings, deworming and vaccinations.

These plans work on a reimbursement model, whereby pet owners will pay the veterinarian directly and then file a claim with ASPCA for reimbursement. maximum reimbursement depends on the category of care and the plan’s overall annual limit.

vaccinations covered by an aspca wellness plan

basic plan

main plan


  • Wellness plan cost: $20, $36 or $59 per month

wagmo is the only carrier on this list that offers a separate pet wellness plan. This means that even if he doesn’t buy a typical pet insurance policy, he can still buy coverage for routine care.

There are three wagmo plans to choose from, each offering its own annual maximum reimbursement limit: Value, which costs $20 per month and has an annual coverage amount of $350, Classic, which costs $36 per month and has a coverage amount of $650 and deluxe, which costs $59 per month and has an annual coverage amount of $1,100.

Coverage categories include routine exams, grooming, dental cleanings, flea, tick and heartworm prevention, blood tests and vaccinations.

wagmo operates on a reimbursement model whereby pet owners will pay the veterinarian directly for care expenses incurred and then file a claim through wagmo based on their plan coverage limit and care received.

Vaccinations covered by a wagmo wellness plan

  • bordetella
  • distemper
  • leptospirosis
  • lyme
  • rabies
  • influenza</li
  • fvrcp
  • felv
  • all booster shots

final thoughts

Typical pet insurance plans don’t cover routine care like annual checkups or regularly scheduled vaccinations, though these can play an important role in your pet’s ongoing health. If you want preventive care protection, either in addition to accident and sickness coverage, or as a stand-alone product, you’ll need to purchase a wellness plan.

These plans generally cover routine veterinary care and visits, including vaccinations. Each plan differs in the amount of coverage offered and the vaccinations included, so be sure to consider your pet’s age and care needs when comparing prices.

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